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Hi there,

I will be able to assist you with your request. It'll be ideal if we could meet up and go through the figures options together.

You may reach me at 94507283  for further discussion.

Thank you

Gary Shien
Associate Group Director
PropNex Realty Pte Ltd Read More

Hi, it's great that you are considering the various options!

Option 1:
Purchasing a studio or one-bedroom condominium and renting it out immediately
-> I have supported several clients to do this and can go through with you the pros and cons of doing so in further detail.

Option 2:
Purchasing a four-room resale HDB flat, renting out the existing condominium for five years, then moving back into the condominium and renting out the HDB for rental income, noting that within my budget the remaining lease of the HDB may be relatively short
-> This may give you the most amount of money in the short term, but will likely result in the least amount of money for your family in the long term.

Option 3:
Purchasing a three-room resale HDB flat and renting out the spare bedrooms while retaining one bedroom for my own use
-> This heavily depends on which 3-room resale you opt for. It could be an interesting option, but you will be limiting yourself from better options by doing this.

Option 4:
Actually, I can think of at least 2 other options I have supported clients on, which you should seriously consider given your current situation. These would most likely outperform options 1-3 that you have described above. I would be happy to show you the financial figures on each scenario and you will be able to see why.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. Would love to support you on making the best decision, while you are in the planning stages for your family's property and financial future.

Do reach out via my whatsapp or email below:

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Good day to you.

Since you and your parents are open to the idea of relocating and are willing to assist with your housing expenses, this sets the stage for moving forward. Given your current financial situation, it seems feasible to secure a four-room flat priced around $600k, depending on the housing grant you qualify for. Let’s meet up to discuss the details further.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
YouTube: https://www.youtube.com/@SGHomeCompass
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1✓ A meet-up would help align your goals and compare the numbers across different housing paths.

2✓ Buying a small condominium for immediate rental offers simplicity and steady income.

3✓ A four-room resale HDB paired with renting out your condo may work short term but carries long-term trade-offs due to lease length.

4✓ A three-room HDB with room rentals can be viable, though the choice of unit is critical.

5✓ With family support and mobility, a four-room flat within your budget appears achievable pending grant eligibility.
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

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如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

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Hi

Based on your cash cpf OA and hdb loan amount available, it seems like your budget for the hdb flat is potentially 540k +/- . This gives you some options for outer regions but most likely are older flats. May I know the location you are more inclined to?

If you are open to a bank loan for hdb, you can also consider doing show funds method to bump up the loan to increase your budget to potentially open up to more newer flat options.

Based on the info shared, it feels like getting a hdb 4-room, doing a nice reno for the house to improve the quality of living with you and your parents, and renting out the condo might be a better option.

Buying a studio and renting out, based on 650k price point, has limited options and also exit plan might be limited. Will not really advise getting hdb 3-room and renting out spare room, as room rental comes with all the hassle and 3-room exit audience is typically smaller than 4-room.

Just my 2 cents, perhaps you can share more info so I can advise better. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Achiever

SIEA's Salespersons Achievement Award (Platinum) 2025
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 226th Achiever in 2nd Quarter 2025 (Top 3% Company Level)
ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Email: Ivanng10@gmail.com
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CEA: R052114D

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More